Best Cheap Auto Insurance in Clearwater, MN (2021)

The average Clearwater, MN auto insurance rates are $375 per month. The minimum auto insurance in Clearwater is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Clearwater, Minnesota, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Clearwater is State Farm
  • Average auto insurance rates in Clearwater, MN for senior drivers are $2,968 per year
  • The minimum auto insurance required in Clearwater, Minnesota is 30/60/10

Clearwater, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Finding cheap auto insurance in Clearwater can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Clearwater, Minnesota, including driving record, credit, commute time, and more.

Compare auto insurance in Clearwater to other Minnesota cities, including Plymouth auto insurance rates, Minneapolis auto insurance rates, and Brooklyn Park auto insurance rates to see how Clearwater, Minnesota auto insurance rates stack up.

Before you buy Clearwater, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Clearwater, Minnesota auto insurance quotes.

Minimum Auto Insurance in Clearwater, Minnesota

Clearwater, Minnesota auto insurance laws require that you have at least the Minnesota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Clearwater, Minnesota.

Minimum Required Auto Insurance Coverage in Clearwater, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Clearwater, Minnesota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Clearwater, Minnesota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Clearwater, Minnesota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,037 $3,037 $2,937 $2,937 $6,894 $9,874 $3,705 $3,858
American Family $2,382 $2,382 $2,158 $2,158 $6,524 $9,440 $2,382 $2,682
Farmers $2,169 $2,164 $2,088 $2,206 $6,202 $6,244 $2,834 $2,745
GEICO $2,791 $2,768 $2,666 $2,591 $5,874 $7,453 $2,614 $2,712
Liberty Mutual $8,952 $8,952 $8,863 $8,863 $17,660 $26,524 $8,952 $12,481
Nationwide $2,020 $2,027 $1,799 $1,908 $5,169 $6,269 $2,373 $2,465
State Farm $1,691 $1,691 $1,517 $1,517 $3,721 $4,542 $1,945 $1,615
USAA $1,796 $1,758 $1,650 $1,625 $4,901 $5,300 $2,323 $2,437

Cheap Clearwater, Minnesota Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Clearwater, Minnesota is a challenge. Take a look at the annual teen auto insurance rates in Clearwater, Minnesota.

Annual Auto Insurance Rates for Teen Drivers in Clearwater, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,894 $9,874
American Family $6,524 $9,440
Farmers $6,202 $6,244
GEICO $5,874 $7,453
Liberty Mutual $17,660 $26,524
Nationwide $5,169 $6,269
State Farm $3,721 $4,542
USAA $4,901 $5,300

Cheap Clearwater, Minnesota Auto Insurance for Seniors

What are senior auto insurance rates in Clearwater, Minnesota? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Clearwater, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,937 $2,937
American Family $2,158 $2,158
Farmers $2,088 $2,206
GEICO $2,666 $2,591
Liberty Mutual $8,863 $8,863
Nationwide $1,799 $1,908
State Farm $1,517 $1,517
USAA $1,650 $1,625

Cheap Clearwater, Minnesota Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Clearwater, Minnesota compared to the annual auto insurance rates with a clean record in Clearwater, Minnesota.

Annual Clearwater, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,271 $4,790 $5,755 $4,323
American Family $2,537 $4,518 $5,123 $2,876
Farmers $2,849 $3,597 $3,652 $3,229
GEICO $2,445 $3,887 $5,782 $2,620
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,385 $3,164 $3,639 $2,826
State Farm $2,090 $2,470 $2,280 $2,280
USAA $2,021 $2,590 $3,880 $2,404

Cheap Clearwater, Minnesota Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Clearwater, Minnesota is not easy. Compare the annual rates for DUI auto insurance in Clearwater, Minnesota to find the best deal.

Annual Auto Insurance Rates After a DUI in Clearwater, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,755
American Family $5,123
Farmers $3,652
GEICO $5,782
Liberty Mutual $18,523
Nationwide $3,639
State Farm $2,280
USAA $3,880

Cheap Clearwater, Minnesota Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Clearwater, Minnesota annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Clearwater, Minnesota

Insurance Company Poor Fair Good
Allstate $6,636 $3,612 $3,357
American Family $5,174 $3,396 $2,721
Farmers $4,171 $3,011 $2,813
GEICO $4,422 $3,616 $3,012
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,575 $2,882 $2,555
State Farm $3,324 $2,033 $1,483
USAA $4,218 $2,105 $1,849

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Clearwater, Minnesota Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Clearwater, Minnesota can vary. Compare the annual cost of auto insurance by ZIP code in Clearwater, Minnesota to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Clearwater, Minnesota

ZIP Code Average Annual Rates
55320 $3,447

Cheap Clearwater, Minnesota Auto Insurance Rates By Commute

Commute length and annual mileage affect Clearwater, Minnesota auto insurance. Find the cheapest annual Clearwater, Minnesota auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Clearwater, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,535 $4,535
American Family $3,719 $3,808
Farmers $3,332 $3,332
GEICO $3,634 $3,733
Liberty Mutual $12,283 $13,028
Nationwide $3,004 $3,004
State Farm $2,216 $2,344
USAA $2,688 $2,759

Cheap Clearwater, Minnesota Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Clearwater, Minnesota? Check out the comparison of annual Clearwater, Minnesota auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Clearwater, Minnesota

Insurance Company Low Medium High
Allstate $4,461 $4,532 $4,611
American Family $3,752 $3,867 $3,672
Farmers $3,201 $3,346 $3,448
GEICO $3,563 $3,682 $3,805
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,833 $3,025 $3,153
State Farm $2,177 $2,290 $2,372
USAA $2,637 $2,722 $2,813

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Clearwater, Minnesota

Compare the cheapest auto insurance companies in Clearwater, Minnesota in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Clearwater, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

The Cheapest Clearwater, Minnesota Auto Insurance Companies

What auto insurance companies in Clearwater, Minnesota are the cheapest? Compare the top Clearwater, Minnesota auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Clearwater, Minnesota

Insurance Company Average Annual Rates
Allstate $4,535
American Family $3,764
Farmers $3,332
GEICO $3,683
Liberty Mutual $12,656
Nationwide $3,004
State Farm $2,280
USAA $2,724

What affects auto insurance rates in Clearwater, Minnesota?

There are a lot of reasons why auto insurance rates in Clearwater, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Clearwater, Minnesota. Many local factors may affect your Clearwater auto insurance rates.

Clearwater Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Clearwater, Minnesota commute length is 30.1 minutes according to City-Data.

Clearwater Traffic

How does Clearwater, Minnesota rank for traffic? According to Inrix Clearwater, Minnesota is the 810th most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Clearwater, Minnesota Auto Insurance Quotes

Before you buy Clearwater, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Clearwater, Minnesota auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption